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VOLVO S40 Car Insurance

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The Volvo S40 is a Scandinavian compact sedan known for its enhanced safety, clean styling, and refined cabin. It appeals to drivers seeking a blend of practicality, durability, and understated elegance within the premium compact segment.

VOLVO S40 CAR INSURANCE RATES OVER THE LAST 5 YEARS.

Between 2021 and 2026, premiums for the Volvo S40 fluctuate notably, moving from $323 to $671, dropping to $531, then rising to $818 before settling at $793. This variation reflects changes in repair costs and claim frequency rather than a linear trend.

To find the best insurance for your VOLVO S40 vehicle, it is more important than ever to compare the available options.

How much does insurance for your VOLVO S40 cost in Quebec?

Premiums vary widely by city for the Volvo S40: Terrebonne has the highest premium ($3517), followed by Quebec City ($1582) and Laval ($874), while Drummondville ($236) and Sherbrooke ($339) show the lowest amounts. Montreal sits in a mid-range position ($621).

To get the exact cost for your situation, the best approach is to compare offers from several insurers. Using our Clicassure comparison tool, you can easily find the best premium tailored to your needs.

City Average price over the last 12 months
DRUMMONDVILLE $236.26
LAVAL $874.39
MONTRÉAL $621.39
QUÉBEC $1582.32
SHERBROOKE $339.15
TERREBONNE $3516.99

Frequently asked questions (FAQ)

How much does insurance cost for a Volvo S40?
The average premium for a Volvo S40 varies by year, ranging from $323 to $818 between 2021 and 2026, with a recent average of $793 in 2026.
Is auto insurance mandatory in Quebec?
Yes. In Quebec, civil liability coverage of at least $50,000 is mandatory for any road vehicle driven on public roads.
Why does the Volvo S40 premium fluctuate so much year to year?
The swings, from $323 in 2021 to $818 in 2025, may reflect changes in claim frequency, parts costs, and the profile of insured drivers during each period.
Which city has the highest insurance cost for the Volvo S40?
Based on the data provided, Terrebonne shows the highest premium at $3517, well above Quebec City ($1582) and Laval ($874).
Where is insurance for the Volvo S40 the cheapest?
Drummondville ($236) and Sherbrooke ($339) offer the most affordable premiums among the cities provided for this model.
What factors influence the insurance premium of a Volvo S40?
Vehicle age, location, claims history, and the cost of Volvo-specific parts all influence the final premium.
How can I lower the insurance cost for a Volvo S40?
Comparing quotes from several insurers, bundling auto and home policies, and maintaining a clean driving record are effective ways to reduce the premium.

Offers received by our customers on VOLVO S40 cars

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Methodology

To guarantee you the best possible information, the data presented on this page is based on the following rigorous criteria :

  • Analysis period: Our analyses are based solely on insurance submissions collected over the millions of submissions in recent years, thus guaranteeing the relevance of our comparisons.
  • Real-world comparisons: We only use data from insurance submissions that actually resulted in a sale.
  • Proven savings: The results presented only reflect cases where the user has saved money thanks to our comparison tool.
  • Last updated: 07/13/2026